Pale Horse Defense (PHD) publishes this website for our students, friends and other interested visitors for information purposes only. The contents of the site do not constitute legal advice and do not necessarily reflect the opinions of the PHD. The site provides general information, which may or may not be correct, complete or current at the time of reading. The content is not intended to be used as a substitute for specific legal advice or opinions. No recipients of content from this site should act or refrain from acting on the basis of content of the site without seeking appropriate legal advice or other professional counseling. PHD expressly disclaims all liability relating to actions taken or not taken based on any or all contents of the site.